A hybrid mortgage is a type of loan that combines the security of a fixed-rate mortgage with the flexibility of a variable-rate mortgage. During the first few years, you will enjoy a stable payment thanks to the fixed rate, and once that period is over, the interest adapts to the market. This option is ideal…
The real estate exclusivity agreement is a formal agreement between a property owner and a real estate agency, by which the latter is granted the exclusive right to manage the sale or rental of a property for a specified period. During that time, only the selected agency can market the property, although the owner remains…
When you decide to buy, sell, or rent a property, it’s normal to wonder who pays the real estate agent’s fees. This cost may vary depending on the type of transaction and the agreement between the parties. In this article, we explain how real estate agent fees work, who pays them, and when they are…
The capital gains tax on the sale of an apartment is a tax that is applied to the increase in the value of a property from the moment it was acquired until its sale. This tax, known as municipal capital gains tax, may vary depending on the municipality and depends on factors such as the…
Social housing is subject to specific regulations that limit its sale. This means that, unlike free market housing, it cannot be freely sold at any time or at any price. But can you sell social housing? In this post, we explain when you can sell social housing, the requirements to take into account, and how…
The Building Technical Inspection (ITE) is a mandatory review that buildings must pass to guarantee their safety and good state of conservation. This evaluation, carried out by specialized technicians, verifies possible deficiencies in the structure, the facade, the installations, and other elements of the building. Its objective is to prevent risks and ensure that the…
Choosing the best orientation for a house is a key factor in ensuring the comfort and energy efficiency of the home. The position of the house in relation to the sun can influence natural lighting, indoor temperature, and energy consumption. Below, we tell you which orientation is best for a house based on different climatic…
Buying a resale home is an important decision that requires good planning and knowledge of the process. Unlike a new-build home, there are several legal, economic, and structural aspects that you should consider to ensure that the purchase is safe and without unforeseen events. In this post, we explain what to check before buying a…
Moving house is an important decision, and you may have the following in mind: selling my house to buy another. Therefore, it is normal for many doubts to arise. What is the best time to sell? How much does the whole process cost? Is it possible to do it without losing money? In this post,…
When talking about real estate, one of the first questions that may arise is: what is the cadastral reference? It is a unique alphanumeric code that identifies each property within the Spanish territory. This code, composed of 20 characters, is assigned by the Land Registry, the official body in charge of registering the physical, economic,…
When considering buying a home, one of the first questions you will ask yourselves is: what mortgage can I afford with my salary? This is key to avoiding compromising your finances and making a responsible decision. In this post, we explain how to calculate it and what factors you should take into account. How Do…
The certificate of occupancy is an essential document for any homeowner or tenant. But what does having this document really entail, and what is it for? In this post, we detail all the fundamental aspects related to the certificate of occupancy, from its definition to its renewal. What is the Certificate of Occupancy? The certificate…